The Bank cautions that by their nature, forward-looking statements suggest imperil or uncertainty and that authentic results could vary materially. Income loan.

Operating Results 02/05/2008 22:59:00 Business Wire The Federal Home Loan Bank of San Francisco delivers low-cost funding and other services that domestic fellow fiscal institutions brand almshouse mortgage loans to society of all return levels and stipulate credit that supports neighborhoods and communities. The Bank also funds community investment programs that ease members invent affordable shelter and exalt community economic development. The Bank s members--its shareholders and customers--are commercial banks, faithfulness unions, savings institutions, niggardliness and loans, and protection companies headquartered in Arizona, California, and Nevada. Safe Harbor Statement under the Private Securities Litigation Reform Act of 1995 This push issue contains forward-looking statements within the message of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including statements interdependent to the Bank s dividend rates.

These statements are based upon our present expectations and communicate in only as of the age hereof. These statements may use forward-looking terms, such as "will" and "plans," or their negatives or other variations on these terms. The Bank cautions that by their nature, forward-looking statements embody jeopardy or uncertainty and that true to life results could quarrel basically from those expressed or implied in these forward-looking statements or could sham the region to which a certain objective, projection, estimate, or forecast is realized. These forward-looking statements count in risks and uncertainties including, but not restricted to, the property of SFAS 133, SFAS 91, and SFAS 159, and the Bank s capability to pay dividends out of retained earnings.

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